Professional originator
partner programs
partner programs
BROKER PARTNER QUICK REFERENCE
More ways to say YES.
Commercial lending: simplified. For over forty years, we've celebrated big ideas, hard work, integrity and entrepreneurialism. A national business lender with a full menu of uncomplicated financing tools—nimble, creative and innovative.
$5K–$1M
Ticket sizes
$5,000 to $1,000,000
12–60 MO
Term lengths
Others by exception
UP TO 16%
Commissions
See tiers below*
A / B / C
& challenged credit
Primary window: B & C
Risk-based pricing. *Broker commissions: up to 16% to $75,000; up to 10% to $150,000. Rates commensurate with risk across A, B, C and challenged credit.
What makes us different.
Common-sense underwriting
- Common-sense credit philosophy
- Credit-challenged, story & new-business underwriting
- No minimum credit score (600+ generally preferred)
- Comparable credit not necessarily required
- Common-sense equipment age, hours & mileage restrictions
- Limited geographic restrictions
Collateral, transactions & technology
- Private-party & auction sales — OK
- Equipment refinancing for cash out
- Titled, hard assets & softer collateral
- API submission capability
- Digital documentation & ID verification
- Automated submittal process
Submission checklist.
Most transactions ($5,000–$75,000)
- Application & credit report
- Three months of bank statements
- Supplemental financial info (see links)
- Transaction summary
Startups, larger or credit-challenged — add:
- Two years of tax returns
- Personal financial statement
- Budget or business plan (see links)
- Current business financials
- Other information / applicant interview (on request)
Every submission should also include:
- Background / story
- Recent exposure details
- Any declines from other lenders
Useful links.
Become a
Partnerslsfinancial.com/tpo-application
Credit
Submissionsslsfinancial.com/broker-submit
Documentation
Requestsslsfinancial.com/broker-docs
Supplemental Financial
Questionsslsfinancial.com/SFQ
Budget / Business
Planslsfinancial.com/budget
Customer Payment
Portalslsfinancial.com/payments
Application link tip: Add ?lead=XXXXX to the end of a URL, where XXXXX is the application number.
Your S&P team.
YOUR RELATIONSHIP MANAGERLisa BuolVice President,
Credit
Kathy ConleePortfolio Manager
Brock KimballAccounting Manager
Julie WilliamsDocumentation
Angie MiesFunding
Quick references.
LIENHOLDER
S & P Financial Services, Inc.
8341 NW Mace Rd. #200
Kansas City, MO 64152
8341 NW Mace Rd. #200
Kansas City, MO 64152
LOSS PAYEE
S & P Financial Services, Inc. at the above address